It is too bad that these companies can't charge some high rate for dealing with problems in person at an office. I would sure love to have the option to have no password reset available on my gmail account with the option of going to an office and paying $50 to reset it. Or $50 to figure out why my Google account got banned and the option to get it re-instated. I guess such a system is bad for PR, "Look, Google screws up and makes you pay to fix it.", but for me this would be a really nice system. I really don't like how I can reset my brokerage account password without meeting someone in person and verifying my identity.